ACH AUTHORIZATION (Overland Services Online, LLC (DBA) DMA Services)

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1 ACH AUTHORIZATION (Overland Services Online, LLC (DBA) DMA Services) READ VERY CAREFULLY BEFORE SIGNING. EXECUTION OF THIS DOCUMENT IS NOT REQUIRED TO OBTAIN A LOAN FROM US. PLEASE REFER TO THE TERMS OF THE AGREEMENT TO DETERMINE OTHER REPAYMENT OPTIONS. ACH AUTHORIZATION: You hereby voluntarily authorize us, and our successors and assigns, to initiate an automatic credit and debit entry to Your Bank Account as described below: YOUR BANK ACCOUNT INFO: Name TRESELA JORDAN Bank Name: WELLS FARGO BANK Address 131 ALEDA TERR Transit ABA Number: City, State Zip: MAULDIN, SC Checking Account Number: This ACH Authorization is a part of and relates to the Loan Agreement dated 03/31/2014 (the Loan Agreement"). The words "you", "your" and "I" mean the borrower who has electronically signed it. The words "we", "us" and "our" mean Overland Services Online, LLC (DBA) DMA Services ( Lender ), a licensed lender of consumer loans regulated by Nevada Financial Institutions Division, 2785 E. Desert Inn Rd. Suite 180. Las Vegas, Nevada You hereby voluntarily authorize us, and our successors and assigns, to initiate automatic credit and debit entries to Your Bank Account in accordance with the Loan Agreement. You agree that we will initiate a credit entry to Your Bank Account for the Amount Financed on or about the disbursement date of your Loan proceeds. You also authorize us to initiate an ACH debit entry to Your Bank Account for: (a) each payment due on its payment due date, as set forth in the Payment Schedule (provided above); and (b) for any accrued Returned Payment (NSF) charges or Late Payment Fees, as described in the Loan Agreement. You agree that we may re-initiate a debit entry for the same amount two additional times if the ACH debit entry is dishonored or payment is returned for any reason. The ACH Authorizations set forth in the Loan Agreement are to remain in full force and effect for this transaction until your indebtedness to us for the Total of Payments, plus any other charges or fees incurred and described in the Loan Agreement, is fully satisfied. You may only revoke the above authorizations by contacting us directly. If you revoke your authorization, you agree to provide us with another form of payment acceptable to us and you authorize us to prepare and submit one or more checks drawn on Your Bank Account so long as amounts are owed to us under the Loan Agreement. You agree, upon request, to furnish us with full details regarding any debit cards which you possess, and authorize us to use such debit cards to debit you with any amounts owed to us under this Loan Agreement. If a payment is returned unpaid, you authorize us to make a one-time electronic fund transfer from Your Bank Account to collect a fee of $ You voluntarily authorize us, and our successor and assigns, to initiate a debit entry to Your Bank Account for payment of this fee. You further authorize us to initiate debit entries as necessary to recoup the outstanding loan balance whenever an ACH transaction is returned to us for any reason. You understand and agree that this ACH authorization is provided for your convenience, and that you have authorized repayment of your loan by ACH debits voluntarily. You agree that you may repay your indebtedness through other means, including by providing timely payment via cashiers check or money order directed to: Overland Services Online, LLC (DBA) DMA Services, 1700 East Desert Inn Road, Las Vegas, NV Payments must be received before the payment due date. You authorize us to verify all of the information that you have provided, including past and/or current information. You agree that the ACH Authorization herein is for repayment of an installment loan and that these entries will appear as described in Agreement. If there is any missing or erroneous information in this authorization regarding your bank, bank routing and transit number, or account number, then you authorize us to verify and correct such information. If your payment is returned to us by your financial institution due to insufficient funds or a closed account, you agree that we may recover court costs and reasonable attorney's fees incurred by us. Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Call us at , or write us at 1700 East Desert Inn Road, Las Vegas, NV 89169, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. (We will charge you $20.00 for each stop-payment order you give.) Notice of varying amounts. We will provide notice to you if the payment due exceeds the total of payments and fees due to us. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Signature: TRESELA JORDAN Date: 3/28/2014

2 Overland Services Online, LLC (DBA) DMA Services PROMISSORY NOTE AND DISCLOSURE STATEMENT LOAN AGREEMENT Account No Effective Date: 03/31/2014 LENDER: Overland Services Online, LLC (DBA) DMA Services BORROWER: TRESELA JORDAN 1700 East Desert Inn Road Las Vegas, NV ALEDA TERR MAULDIN, SC PHONE: PHONE: ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate FEDERAL TRUTH IN LENDING DISCLOSURES FINANCE CHARGE Amount Financed Total of Payments The dollar amount the credit will cost me The amount of credit provided to me The amount I will have paid after all payments are made as scheduled % $ $ $ PAYMENT SCHEDULE Your Payment Schedule will be: No. of Payments Amount of Payments When Payments are Due 1 $ /25/ $ /9/2014 5/23/2014 6/6/2014 6/20/2014 7/4/2014 7/18/2014 8/1/2014 8/15/2014 8/29/2014 9/12/2014 9/26/ /10/ /24/ /7/ /21/ /5/ /19/2014 1/2/2015 1/16/2015 1/30/2015 2/13/2015 2/27/2015 3/13/2015 Late Charge:If Your payment is more than ten (10) calendar days late, You will be charged a fee of 5% of the amount of the overdue payment. Prepayment: If You pay off early, You will not be charged a penalty. See the terms of the Loan Agreement below for any additional information about nonpayment, default, any required repayment in full before the scheduled payment date, and prepayment refunds. Amount Financed: $ Amount Paid to You Directly: $ Prepaid Finance Charge: $0.00 ITEMIZATION OF AMOUNT FINANCED In this Promissory Note & Disclosure Statement ("Note"), the words "We," "Us," "Our" and Lender refer to Overland Services Online, LLC (DBA) DMA Services. The words "You" and "Your" refer to the person electronically signing this note and referred to as "Borrower" above. The Truth-in-Lending Disclosures above are part of the terms and conditions of Our Agreement. FOR VALUE RECEIVED, You promise to pay to the order of Overland Services Online, LLC (DBA) DMA Services the sum of $ , together with interest calculated at % per annum and any outstanding charges or late fees, until the full amount of this note is paid. You promise to pay us each payment due no later than the Payment Due Date set forth above. Payments may be made via ACH Authorization (provided below) or sent to us in the form of a money order of certified check to: 1700 East Desert Inn Road Las Vegas, NV If your loan is approved and you have elected to sign the ACH Authorization provided at the beginning of this Agreement, we will use commercially reasonable efforts to effect a credit entry by depositing the proceeds from the Agreement into the bank account listed on the ACH Authorization on the disbursement date, which is usually the next business day after the day you sign this Agreement. The Annual Percentage Rate on your loan will be calculated as of the disbursement date. Unavoidable delays as a result of bank holidays, the processing schedule of your individual bank, the untimely receipt of information we request to underwrite your loan, inadvertent processing errors, acts of God and/or acts of terror may extend the time for deposit. You understand that Your payments will be applied first to any outstanding charges or late fees, then to earned interest and finally to principal. The payment

3 You understand that Your payments will be applied first to any outstanding charges or late fees, then to earned interest and finally to principal. The payment schedule described above may change in the event You do not make all payments as scheduled. You understand that You may prepay all or any of the principal amount without penalty. You understand that You will be subject to a fee of $20.00 if any payment You make is returned or refused for any reason. You understand that if You fail to make any payment due hereunder, Lender shall have the right, after a 30 day grace period, to declare this Note to be immediately due and payable. Except as provided in the "Arbitration" section of this note, You understand that in the event that Lender is required to employ an attorney at law to collect any amounts due under this Note, You will be required to pay the reasonable fees of such attorney to protect the interest of Lender or to take any other action required to collect the amounts due hereunder. You agree that all payments not made within (10) ten days of the due date shall be subject to a late fee of 10% of the payment amount. Lender may delay or forego enforcing any of its rights or remedies under this Note without losing them. This Note is in original format an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations, and the one, true original Note is retained electronically by Lender. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. Proceeds of this loan will be directly deposited into the Bank account identified on your ACH Authorization (if you have selected that option) or mailed to you via first class mail at the address provided in your application if your payments are not automatically debited via ACH. You hereby authorize Us and Our agents to initiate a wire transfer credit to Your bank account to disburse the proceeds of this Loan, if you have executed an ACH Authorization. CONSENT TO ELECTRONIC COMMUNICATIONS: The following terms and conditions govern electronic communications in connection with the Loan Agreement and the transaction evidenced hereby (the "Consent"). By electronically signing the Loan Agreement by clicking the "Sign" button and entering your name below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. You agree that: Any disclosure, notice, record or other type of information We are required to provide to You or that You request, in connection with Your transaction with us, including but not limited to, this Loan Agreement, this Consent, the federal Truth in Lending disclosures, Privacy Policy, change-in-term notices, loan, fee and transaction information, statements, notices of adverse action, and state mandated brochures and disclosures (collectively "Communications"), may be sent to You electronically by posting the information at Our web site, (overlandsvcs.com), or by sending it to You by e- mail, to any address You have provided to us, as required by law. We will not be obligated to provide any Communication to You in paper form unless You specifically request it in writing. You may obtain a copy of any Communication by contacting Us at 1700 East Desert Inn Road Las Vegas, NV or by calling Us at You also can withdraw Your consent to ongoing electronic Communications in the same manner, and ask that they be sent to You in paper or non-electronic form. You agree to provide Us with Your current address for notices at the address or phone number indicated above. If Your address changes, You must send Us a notice of the new address by writing to Us or sending Us an , using secure messaging, at least five (5) days before the change. In order to receive electronic communications in connection with this transaction, You will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a secure channel to send and receive data over the Internet. Microsoft Internet Explorer 6 and above support this feature. You will also need either a printer connected to Your computer to print disclosures/notices or sufficient hard drive space available to save the information (e.g., 1 megabyte or more). You must have Your own Internet service provider. We do not provide Internet connectivity services. We may amend (add to, delete or change) the terms of this Consent to Electronic Communication by providing You with reasonable notice in accordance with applicable law. By entering Your name and social security number, and clicking the "Sign" button below, You are electronically signing this document and confirming that: (1) Your system meets the requirements set forth above; (2) You agree to receive Communications electronically; (3) You are able to receive s send to the address You have provided to Us and to access and print or store information presented at this website; and (4) You consent to having information regarding this transaction, and others You may enter into with us, transmitted via to the address You have provided to us, and to having that information communicated with any third party who has or obtains access to s sent to that address. YOUR ELECTRONIC SIGNATURE: You acknowledge and agree that when You type Your name and social security number in the indicated boxes on this document, and click the "Sign" button, You are providing Your electronic signature on this document. By electronically signing this document, You are agreeing to all the terms and conditions set forth in the Agreement, and certifying that all information You have provided in connection with this transaction is complete and accurate. You agree that Your electronic signature shall have the same force and effect, and shall bind You to this Agreement in the same manner and to the same extent as a physical signature would do, in accordance with the Electronic Signatures in Global and National Commerce Act ("ESIGN"), the Delaware Uniform Electronic Transactions Act ("UETA"), and the Uniform Commercial Code ("UCC") to the extent applicable. You also agree that this Agreement and all related documents are electronic records and that, as such, they may be transferred, authenticated, stored, and transmitted by electronic means. TEXT MESSAGING: By electronically signing below, You authorize us, our assigns, successors or servicing agents to send SMS Statement Notifications (as defined below) to any telephone numbers provided to us, our assigns, successors or service agents in connection with this loan and any renewal. As used in this Disclosure, "SMS Statement Notifications" means any SMS (text message) communications from us to you pertaining to your loan sent to the phone numbers provided in connection with this loan, including but not limited to payment information, account information, due dates, delinquent accounts, program updates, promotions, coupons and other marketing messages. 1. How To Unsubscribe: You may withdraw your consent to receive SMS Statement Notifications by replying with "stop". We may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Statement Notifications. Any withdrawal of your consent to use SMS Statement Notifications will be effective only after we have a reasonable period of time to process your withdrawal. 2. To request additional information, contact us by telephone at In order to access, view, and retain SMS Statement Notifications that we make available to you, you must have: (1) a SMS-capable mobile phone, (2) an active mobile phone account with a communication service provider; and (3) sufficient storage capacity on your mobile phone. 4. All SMS Statement Notifications in electronic format from us to you will be considered "in writing." 5. There is no service fee for SMS Statement Notifications but you are responsible for any and all charges, including but not limited to fees associated with text messaging, imposed by your communications service provider. Other charges may apply. Such charges may include those from your communications service provider. Please consult your mobile service carrier's pricing plan to determine the charges for sending and receiving text

4 messages. These charges will appear on your phone bill. Message frequency depends on account settings. 6. Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. You agree to provide a valid mobile phone number for these services so that we may send you certain information about your loan. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of this Agreement. SMS Statement Notifications are provided for your convenience only. 7. Receipt of each SMS Statement may be delayed or impacted by factor(s) pertaining to your communications service provider(s). We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the SMS Statement Notifications sent by us. We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, any other user or third party. By signing below, you agree to receive text messages in accordance with the disclosures provided above. Signature: TRESELA JORDAN Date: 3/28/2014 Check this box if you agree to the ACH Debit Authorizations in this Agreement. ELECTRONIC (as soon as the next business day): By checking here, you authorize us to effect ACH debit and credit entries for this loan and also agree to the ACH Debit Authorizations set forth in this Agreement. You acknowledge and agree that this ACH Debit Authorization insures to the benefit of any Holder of this Note, its affiliates, agents, employees, successors, and registered assigns. Check this box if you do not agree to the ACH Debit Authorizations in this Agreement. POSTAL MAIL (up to 7 to 10 days): By calling , you request loan proceeds be distributed to you by check and delivered by regular mail through the United States Postal System. If you elect to receive your proceeds by mail, you must also make your payments by mail. You should allow 7 to 10 days for delivery of the loan proceeds, and be aware interest begins accruing on the date Lender issues the check for the loan proceeds. SECURITY: Pursuant to Comment 2(a) (25) of the Federal Reserve Board Official Staff Commentary to Regulation Z 226.2, we have disclosed to you that our interest in the ECHECK/ACH Authorization Agreement is a security interest for Truth-in-Lending purposes only, because federal and Delaware law do not clearly address whether our interest in the ECHECK/ACH Authorization Agreement is a "security interest. DEFAULT, ASSIGNMENT AND EXECUTION: You will be in default under this Agreement if: (1) any installment, or part thereof, is not paid when due or You otherwise fail to timely pay Us what You owe Us under this Agreement, (2) You fail to make any payment as scheduled under this Agreement, or (3) You provide false or misleading information about yourself, Your employment, or Your financial condition prior to entering this Agreement. In the event of such default, the entire indebtedness shall, at Our sole discretion, become immediately due and payable subject to the right to "cure" under applicable state law, or We may accelerate all remaining installments. We will provide You with at least 15 days notice of such action. We may assign or transfer this Loan Agreement or any of Our rights hereunder. If the Loan Agreement is consummated, then You agree that the electronically signed Loan Agreement and Waiver of Jury Trial and Arbitration Provision We receive from You will be considered the original executed Loan Agreement and Waiver of Jury Trial and Arbitration Provision, respectively, which are binding and enforceable as to both parties. RESERVATION OF RIGHTS: You acknowledge that a failure by Us to exercise any of Our rights under this Agreement at any time does NOT constitute a waiver of such rights in future instances. We reserve Our right to exercise these rights, as appropriate, at any time. WAIVER OF JURY TRIAL AND ARBITRATION PROVISION: ARBITRATION IS A PROCESS IN WHICH PERSONS WITH A DISPUTE: (A) WAIVE THEIR RIGHTS TO FILE A LAWSUIT AND PROCEED IN COURT AND TO HAVE A JURY TRIAL TO RESOLVE THEIR DISPUTES; AND (B) AGREE, INSTEAD, TO SUBMIT THEIR DISPUTES TO A NEUTRAL THIRD PERSON (AN "ARBITRATOR" ) FOR A DECISION. EACH PARTY TO THE DISPUTE HAS AN OPPORTUNITY TO PRESENT SOME EVIDENCE TO THE ARBITRATOR. PRE-ARBITRATION DISCOVERY MAY BE LIMITED. ARBITRATION PROCEEDINGS ARE PRIVATE AND LESS FORMAL THAN COURT TRIALS. THE ARBITRATOR WILL ISSUE A FINAL AND BINDING DECISION RESOLVING THE DISPUTE, WHICH MAY BE ENFORCED AS A COURT JUDGMENT. A COURT RARELY OVERTURNS AN ARBITRATOR'S DECISION. WE HAVE A POLICY OF ARBITRATING ALL DISPUTES WITH CUSTOMERS WHICH CANNOT BE RESOLVED IN A SMALL CLAIMS TRIBUNAL, INCLUDING THE SCOPE AND VALIDITY OF THIS ARBITRATION PROVISION AND ANY RIGHT YOU MAY HAVE TO PARTICIPATE IN AN ALLEGED CLASS ACTION. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: 1. FOR PURPOSES OF THIS WAIVER OF JURY TRIAL AND ARBITRATION PROVISION, THE WORDS "DISPUTE" AND "DISPUTES" ARE GIVEN THE BROADEST POSSIBLE MEANING AND INCLUDE, WITHOUT LIMITATION (A) ALL CLAIMS, DISPUTES, OR CONTROVERSIES ARISING FROM OR RELATING DIRECTLY OR INDIRECTLY TO THE SIGNING OF THIS ARBITRATION PROVISION, THE VALIDITY AND SCOPE OF THIS ARBITRATION PROVISION AND ANY CLAIM OR ATTEMPT TO SET ASIDE THIS ARBITRATION PROVISION; (B) ALL FEDERAL OR STATE LAW CLAIMS, DISPUTES OR CONTROVERSIES, ARISING FROM OR RELATING DIRECTLY OR INDIRECTLY TO THIS LOAN AGREEMENT, THE INFORMATION YOU GAVE US BEFORE ENTERING INTO THIS LOAN AGREEMENT, INCLUDING THE CUSTOMER INFORMATION APPLICATION, AND/OR ANY PAST AGREEMENT OR AGREEMENTS BETWEEN YOU AND US; (C) ALL COUNTERCLAIMS, CROSS-CLAIMS AND THIRD-PARTY CLAIMS; (D) ALL COMMON LAW CLAIMS, BASED UPON CONTRACT, TORT, FRAUD, OR OTHER INTENTIONAL TORTS; (E) ALL CLAIMS BASED UPON A VIOLATION OF ANY STATE OR FEDERAL CONSTITUTION, STATUTE OR REGULATION; (F) ALL CLAIMS ASSERTED BY US AGAINST YOU, INCLUDING CLAIMS FOR MONEY DAMAGES TO COLLECT ANY SUM WE CLAIM YOU OWE US; (G) ALL CLAIMS ASSERTED BY YOU INDIVIDUALLY AGAINST US AND/OR ANY OF OUR EMPLOYEES, AGENTS, DIRECTORS, OFFICERS, SHAREHOLDERS, GOVERNORS, MANAGERS, MEMBERS, PARENT COMPANY OR AFFILIATED ENTITIES (HEREINAFTER COLLECTIVELY REFERRED TO AS "RELATED THIRD PARTIES"), INCLUDING CLAIMS FOR MONEY DAMAGES AND/OR EQUITABLE OR INJUNCTIVE RELIEF; (H) ALL CLAIMS ASSERTED ON YOUR BEHALF BY ANOTHER PERSON; (I) ALL CLAIMS ASSERTED BY YOU AS A PRIVATE ATTORNEY GENERAL, AS A REPRESENTATIVE AND MEMBER OF A CLASS OF PERSONS, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AGAINST US AND/OR RELATED THIRD PARTIES (HEREINAFTER REFERRED TO AS "REPRESENTATIVE CLAIMS"); AND/OR (J) ALL CLAIMS ARISING FROM OR RELATING DIRECTLY OR INDIRECTLY TO THE DISCLOSURE BY US OR RELATED THIRD PARTIES OF ANY NON-PUBLIC PERSONAL INFORMATION ABOUT YOU. 2. YOU ACKNOWLEDGE AND AGREE THAT BY ENTERING INTO THIS ARBITRATION PROVISION: (A) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED

5 THIRD PARTIES; (B) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; AND (C) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 3. EXCEPT AS PROVIDED IN PARAGRAPH 6 BELOW, ALL DISPUTES INCLUDING ANY REPRESENTATIVE CLAIMS AGAINST US AND/OR RELATED THIRD PARTIES SHALL BE RESOLVED BY BINDING ARBITRATION ONLY ON AN INDIVIDUAL BASIS WITH YOU. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 4. ANY PARTY TO A DISPUTE, INCLUDING RELATED THIRD PARTIES, MAY SEND THE OTHER PARTY WRITTEN NOTICE BY CERTIFIED MAIL RETURN RECEIPT REQUESTED OF THEIR INTENT TO ARBITRATE AND SETTING FORTH THE SUBJECT OF THE DISPUTE ALONG WITH THE RELIEF REQUESTED, EVEN IF A LAWSUIT HAS BEEN FILED. REGARDLESS OF WHO DEMANDS ARBITRATION, YOU SHALL HAVE THE RIGHT TO SELECT ANY OF THE FOLLOWING ARBITRATION ORGANIZATIONS TO ADMINISTER THE ARBITRATION: THE AMERICAN ARBITRATION ASSOCIATION ( ) OR JAMS ( ) THE PARTY RECEIVING NOTICE OF ARBITRATION WILL RESPOND IN WRITING BY CERTIFIED MAIL RETURN RECEIPT REQUESTED WITHIN TWENTY (20) DAYS. IF YOU DEMAND ARBITRATION, YOU MUST INFORM US IN YOUR DEMAND OF THE ARBITRATION ORGANIZATION YOU HAVE SELECTED. IF RELATED THIRD PARTIES OR WE DEMAND ARBITRATION, YOU MUST NOTIFY US WITHIN TWENTY (20) DAYS IN WRITING BY CERTIFIED MAIL RETURN RECEIPT REQUESTED OF YOUR DECISION TO SELECT AN ARBITRATION ORGANIZATION. IF YOU FAIL TO NOTIFY US, THEN WE HAVE THE RIGHT TO SELECT AN ARBITRATION ORGANIZATION. THE PARTIES TO SUCH DISPUTE WILL BE GOVERNED BY THE RULES AND PROCEDURES OF SUCH ARBITRATION ORGANIZATION APPLICABLE TO CONSUMER DISPUTES, TO THE EXTENT THOSE RULES AND PROCEDURES DO NOT CONTRADICT THE EXPRESS TERMS OF THIS ARBITRATION PROVISION, INCLUDING THE LIMITATIONS ON THE ARBITRATOR BELOW. YOU MAY OBTAIN A COPY OF THE RULES AND PROCEDURES BY CONTACTING THE ARBITRATION ORGANIZATION LISTED ABOVE. 5. REGARDLESS OF WHO DEMANDS ARBITRATION, AT YOUR REQUEST WE WILL ADVANCE YOUR PORTION OF THE ARBITRATION EXPENSES, INCLUDING THE FILING, ADMINISTRATIVE, HEARING AND ARBITRATOR'S FEES ("ARBITRATION FEES"). THROUGHOUT THE ARBITRATION, EACH PARTY SHALL BEAR HIS OR HER OWN ATTORNEYS' FEES AND EXPENSES, SUCH AS WITNESS AND EXPERT WITNESS FEES. THE ARBITRATOR SHALL APPLY APPLICABLE SUBSTANTIVE LAW CONSISTENT WITH THE FAA, AND APPLICABLE STATUTES OF LIMITATION, AND SHALL HONOR CLAIMS OF PRIVILEGE RECOGNIZED AT LAW. THE ARBITRATION HEARING WILL BE CONDUCTED IN THE COUNTY OF YOUR RESIDENCE. THE ARBITRATOR MAY DECIDE, WITH OR WITHOUT A HEARING, ANY MOTION THAT IS SUBSTANTIALLY SIMILAR TO A MOTION TO DISMISS FOR FAILURE TO STATE A CLAIM OR A MOTION FOR SUMMARY JUDGMENT. IN CONDUCTING THE ARBITRATION PROCEEDING, THE ARBITRATOR SHALL NOT APPLY ANY FEDERAL OR STATE RULES OF CIVIL PROCEDURE OR EVIDENCE. IF ALLOWED BY STATUTE OR APPLICABLE LAW, THE ARBITRATOR MAY AWARD STATUTORY DAMAGES AND/OR REASONABLE ATTORNEYS' FEES AND EXPENSES. IF THE ARBITRATOR RENDERS A DECISION OR AN AWARD IN YOUR FAVOR RESOLVING THE DISPUTE, THEN YOU WILL NOT BE RESPONSIBLE FOR REIMBURSING US FOR YOUR PORTION OF THE ARBITRATION FEES, AND WE WILL REIMBURSE YOU FOR ANY ARBITRATION FEES YOU HAVE PREVIOUSLY PAID. AT THE TIMELY REQUEST OF ANY PARTY, THE ARBITRATOR SHALL PROVIDE A WRITTEN EXPLANATION FOR THE AWARD. THE ARBITRATOR'S AWARD MAY BE FILED WITH ANY COURT HAVING JURISDICTION. 6. ALL PARTIES, INCLUDING RELATED THIRD PARTIES, SHALL RETAIN THE RIGHT TO SEEK ADJUDICATION IN A SMALL CLAIMS TRIBUNAL IN THE COUNTY OF YOUR RESIDENCE FOR DISPUTES WITHIN THE SCOPE OF SUCH TRIBUNAL'S JURISDICTION. ANY DISPUTE, WHICH CANNOT BE ADJUDICATED WITHIN THE JURISDICTION OF A SMALL CLAIMS TRIBUNAL, SHALL BE RESOLVED BY BINDING ARBITRATION. ANY APPEAL OF A JUDGMENT FROM A SMALL CLAIMS TRIBUNAL SHALL BE RESOLVED BY BINDING ARBITRATION. 7. THIS ARBITRATION PROVISION IS MADE PURSUANT TO A TRANSACTION INVOLVING INTERSTATE COMMERCE AND SHALL BE GOVERNED BY THE FAA. IF A FINAL NON- APPEALABLE JUDGMENT OF A COURT HAVING JURISDICTION OVER THIS TRANSACTION FINDS, FOR ANY REASON, THAT THE FAA DOES NOT APPLY TO THIS TRANSACTION, THEN OUR AGREEMENT TO ARBITRATE SHALL BE GOVERNED BY THE ARBITRATION LAW OF THE STATE OF DELAWARE. 8. THIS ARBITRATION PROVISION IS BINDING UPON AND BENEFITS YOU, YOUR RESPECTIVE HEIRS, SUCCESSORS AND ASSIGNS. THIS ARBITRATION PROVISION IS BINDING UPON AND BENEFITS US, OUR SUCCESSORS AND ASSIGNS, AND RELATED THIRD PARTIES. THIS ARBITRATION PROVISION CONTINUES IN FULL FORCE AND EFFECT, EVEN IF YOUR OBLIGATIONS HAVE BEEN PAID OR DISCHARGED THROUGH BANKRUPTCY. THIS ARBITRATION PROVISION SURVIVES ANY CANCELLATION, TERMINATION, AMENDMENT, EXPIRATION OR PERFORMANCE OF ANY TRANSACTION BETWEEN YOU AND US AND CONTINUES IN FULL FORCE AND EFFECT UNLESS YOU AND WE OTHERWISE AGREE IN WRITING. IF ANY OF THIS ARBITRATION PROVISION IS HELD INVALID, THE REMAINDER SHALL REMAIN IN EFFECT. 9. OPT-OUT PROCESS. YOU MAY CHOOSE TO OPT OUT OF THE ARBITRATION PROVISION, BUT ONLY BY FOLLOWING THE PROCESS SET- FORTH BELOW. IF YOU DO NOT WISH TO BE SUBJECT TO THIS ARBITRATION PROVISION, THEN YOU MUST NOTIFY US IN WRITING WITHIN THIRTY (30) CALENDAR DAYS OF THE DATE OF THIS AGREEMENT AT THE FOLLOWING ADDRESS: Overland Services Online, LLC (DBA) DMA Services, 1700 East Desert Inn Road, Las Vegas, NV YOUR WRITTEN NOTICE MUST INCLUDE YOUR NAME, ADDRESS, ACCOUNT NUMBER OR SOCIAL SECURITY NUMBER, THE DATE OF THIS AGREEMENT, AND A STATEMENT THAT YOU WISH TO OPT OUT OF THIS ARBITRATION PROVISION. IF YOU CHOOSE TO OPT OUT, THEN YOUR CHOICE WILL APPLY ONLY TO THE APPLICATION, LOAN AGREEMENT, ACH AUTHORIZATION, AND ARBITRATION PROVISIONS SUBMITTED BY YOU IN THIS TRANSACTION. Please print and retain a copy of this Agreement for Your records. If Your computer is not equipped with a printer, You can request that We mail You a printed copy by calling or by contacting Us through Our website at overlandsvcs.com. THIS LOAN CARRIES A VERY HIGH INTEREST RATE. YOU MAY BE ABLE TO OBTAIN CREDIT UNDER MORE FAVORABLE TERMS ELSEWHERE. EVEN THOUGH THE TERM OF THE LOAN IS 347 days, WE STRONGLY ENCOURAGE YOU TO PAY OFF THE LOAN AS SOON AS POSSIBLE. YOU HAVE THE RIGHT TO PAY OFF ALL OR ANY PORTION OF THE LOAN AT ANY TIME WITHOUT INCURRING ANY PENALTY. YOU WILL, HOWEVER, BE REQUIRED TO PAY ANY AND ALL INTEREST THAT HAS ACCRUED FROM THE FUNDING DATE UNTIL THE PAYOFF DATE. Notice: Do not sign this agreement before You read it. If You have any questions or if anything is unclear about this Agreement, or if You have changed Your mind about any of the voluntary elections that You have made, DO NOT SIGN THIS AGREEMENT. Instead, call Our toll free number , and speak with a customer service representative about Your concern ELECTRONIC SIGNATURES AND CONSENTS By entering Your name and Social Security Number and clicking the "Sign" button below, You understand and acknowledge that You are providing Your electronic signature and taking the following four (4) separate actions: 1. CONSENT TO ELECTRONIC COMMUNICATIONS: You confirm that: (1) Your system meets the requirements set forth above in the CONSENT TO ELECTRONIC COMMUNICATIONS (the "Consent"); (2) You agree to receive all communications electronically and otherwise agree to the terms and conditions of the Consent although such consent may be withdrawn; and (3) You are able to access and print s sent to the address You provided and access and print or store information presented at this website. 2. ACH AUTHORIZATION, (if applicable): You authorize Overland Services Online, LLC (DBA) DMA Services, its successors and assigns to

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